Interest-table.



No. 753,887.. PATENTED MAR. a, 1904.

P. B. JOHANNSBN, INTEREST TABLE.

APPLICATION mm m. 12, 1903.

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No. 753,887. PATENTED MAR. 23, 1904,

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UNITED; STATES Patented March 8, 1904.

PATENT OFFICE.

INTEREST-TABLE.

SPECIFICATION forming part-of Letters Patent N0. 753,887, datedMarch 8, 1904. Application filed August 12, 1903. Serial No. 169,252. (No model.)

To all whom it may concern:

Be it known that I, PALMER E. J OHANNSEN, a citizen of the United States, residingat Carson, in the county of Pottawattamie and State of Iowa, have invented new and useful Improvements in Interest-Tables, of which the following is a specification.

My invention relates to new and useful improvements in interest-tables; and its object is to provide a table having a reversible flap upon which are numerically arranged years, months, and days, and said flaps are so arranged as to be brought to the margin of any one of the divisions of the table, whereby the characters in said divisions which are in alinement with a desired numeral upon the flap may be readily located. The table is so arranged as to accurately designate any interest for a desired period of time.

The invention consists in the novel construction and combination of parts hereinafter more fully described and claimed, and illustrated in the accompanying drawings, showing the preferred form of my invention, and in which Figure 1 is a perspective view of the table folded, one of the flaps being extended to permit the contents of the adjacent section of the table to be read in connection therewith. Fig. 2 is an elevation of the table,partly folded, so as to bring the flap to the margin of one of the central sections of the table. Fig. 3 is an elevation of the table opened its full length. Fig. 3 is a view similar to Fig. 3 and showing the opposite face of the strip. Fig. 4 is an elevation of a modified form of table which is-constructed in book form. Fig. 5 is an elevation showing said modification opened. Fig. 6 is a view of another modified form of table, and Fig. 7 shows a book formed of sections.

Referring to the figures by numerals of reference, 1 is a sheet of suitable material divided by creases 2 into a desired number of similar sections 3, which extend transversely of the sheet and each of which is divided into the same number of alining spaces, which are arranged in columns, said columns being designated at their upper ends by numerals indicating any suitable sums of money. In Figs. 1 to 3 I have shown the columns designated by the numerals 1000, 2000, 3000,

- theword- Time, while arranged thereunder in spaces alining longitudinally with the spaces in,'the sections 3 are numerals designating years, months, and days.

longitudinally-extending division-line 5 the month-numerals are separated from th day numerals by a similar division -'line 6. Both faces of each flap I are similar.

Within each space of each section of the strip 1 is a numeral, and this numeral represents the amount of interest on the sum arranged above it for the time indicated upon the flap 4 at a The front faces of the- The year-numerals are separated from the month-numerals point in alinement therewith. In other words,

theinterest on one thousand dollars at five per cent. for one year is fifty dollars, and this sum will be found in the space on the table which is within the five-per-cent. section and is in alinement with both the sum 1,000

and year 1 on the flap. When it is desired to ascertain the amount of interest at seven per cent. or atany per cent. which is indicated in one of the sections removed from a flap 4, this sum can be quickly ascertained by so folding the table upon the creases 2 asto bring one of the flaps I to the margin of the section indicating the per cent. to be ascertained. For instance, as shown in Fig. 2, when it is desired to ascertain the sum of seven per cent. of one thousand dollars for'one year it is merely necessary to fold one of theend sections 3 upon the adjoining section and bend back the flap 4:, and the same will. then be brought into positionat the margin of the seven-per-cent. section and the amount sought for can be readily located. A division-line7 is preferably arranged longitudinally under the numerals indicating the days of the month,

and below this line on the flaps 4 is arranged the word Compound or an abbreviation thereof and numerals indicating years. In the sections 3 on lines in alinement with these numerals are sums indicating the compound interest for the respective years on the amounts at the heads of the respective columns.

The device is extremely simple in construction and arrangement, and by folding it in various ways one of the flaps 4; can always be brought to the margin of the desired per cent. section. The interest on any designated sum can thus be quickly ascertained without the necessity of tracing from one of the strips to the other, as is the case where it is impossible to bring the time-indicating flap to the margin of the per cent. section.

In Figs. 4 and 5 I have shown a modified form of table which is constructed of leaves fastened together at the center, and the cover of the book thus formed is similar to the leaves, but is provided in addition with end flaps 8, which are similar to the ,flaps 4;, but are, however, provided with printing only on their inner faces. The various divisions on the leaves of this book may be divided in the manner described, as shown in Figs. 4 and 5, said divisions being designated by numerals indicating sums of money and the columns designated by percentage-marks. With this modified construction it will be understood that it is unnecessary to fold the end flaps 8, as the page of the book containing the sum upon which interest is to be obtained can be readily moved, so as to bring its margin adjacent the flap. It is only necessary to bend the flap upon itself to bring the characters thereon in alinement with the columns upon the outer faces of the cover. 7

In Fig. 6 I have shown a modified form of book in which each page is designated by a certain percentage, and the columns on these pages are headed by amounts running from one thousand dollars to nine thousand dollars. If preferred and as shown in Fig. 7, the book,

can be formed of similar sections, one section having its columns headed by amounts from one dollar to nine dollars, the next by ten dollars to ninety dollars, the third by one hundred dollars to nine hundred dollars, and another by one thousand dollars to nine thousand dollars. Each section has end flaps 4, and these flaps have designated thereon the amounts indicated by their respective sections, thereby serving as an index for locating desired pages in the book.

In the foregoing description I have shown the preferred form of my invention; but I do not limit myself thereto, as I am aware that modifications may be made therein without departing from the spirit or sacrificing any of. the advantages thereof, and I therefore reserve the right to make such changes as fairly fall within the scope of my invention.

Having thus described the invention, what is claimed as new is 1. In a table of the. character described, the combination with a strip having divisions thereon with headings for indicating percentage; of a flap at one end of the strip having time-indicating characters thereon.

2. An interest-table comprising a strip having sections designated thereon, each of said sections having columns extending transversely of the strip, numerals designating the columns, and each section being devoted to a different percentage, similar flaps at the ends of the strip, each flap having time-indicating characters arranged in a column extending transversely of the strip, said characters being within columns extending longitudinally of the strip, said transverse and longitudinal columns forming spaces within which are ar ranged interest-designating characters.

, In testimony whereof I aflix my signature in presence of two witnesses.

PALMER E. J OHANNSEN.

Witnesses:

THOMAS MARTIN, JAMEs H. LONDON. 

